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Hi everyone, I'm totally new to the forum so hi and hello. Bottomline, I am in complete PANIC mode. In the last few months, I have 4, yes FOUR account charge offs. I had two accounts with Capital One, and two accounts with First premier Bank and they have all, now, charged off. This year was a tough year for me financially; i made a lot of mistakes and did some overspending last year and it seems this was the year everything came around to bite me in the butt. Obviously hind sight is 20/20 and I see now all my mistakes---shouldn't have got the cards to begin with, should have paid more than the minimum, should have done automatic payments yata yata..... but here we are. I have had HUGE bills these last few months which truly left no extra money at all. Im in my 30s and I support myself completely. My own place, my own car my own BILLS :(. So as I'm feeling like this is the end of the world; Does anyone have any success, advice, or encouragement?? These are the only (and I don't say Only lightly...) negative items on my report. The other accounts I have (car, an online store card, student loans) are all current and paid on time. These 4 cards are the 4 things I could just not stay on top of. My Capital One balances are 1270 and 700, my first premier are something like 800 and 700, I believe. Ive been disputing, hasn't been working of course. I just feel so discouraged.